LAFCU Credit Union mortgage approval rate & lending review
LAFCU Credit Union decided 516 mortgage applications and funded 431 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions LAFCU Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
LAFCU Credit Union at a glance
Approval is 14.6 points above the 72.6% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 93% | 133 / 143 | 95% | $175K | 127 |
| Home improvement loans | 86% | 159 / 184 | 97% | $35K | 155 |
| Cash-out refinance | 83% | 118 / 143 | 96% | $105K | 113 |
LAFCU Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Michigan | 87% | $105K | 496 | 416 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where LAFCU Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Eaton County, MI | Home improvement loans | 92% | 91 | 82 |
| Eaton County, MI | Mortgage lenders | 95% | 59 | 54 |
| Eaton County, MI | Cash-out refinance | 89% | 62 | 51 |
| Ingham County, MI | Home improvement loans | 82% | 50 | 39 |
| Ingham County, MI | Cash-out refinance | 71% | 45 | 32 |
| Ingham County, MI | Mortgage lenders | 91% | 34 | 29 |
The county markets where LAFCU Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about LAFCU Credit Union
What is LAFCU Credit Union's mortgage approval rate?
LAFCU Credit Union approved 87.2% of the 516 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 14.6 points above the 72.6% national rate for the same mix of loan types.
How often do borrowers take the loan LAFCU Credit Union offers?
Borrowers accepted 96% of the loans LAFCU Credit Union approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does LAFCU Credit Union make?
The typical home improvement loan loan LAFCU Credit Union made was $35K; across all loan types its typical loan ran from $35K to $175K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does LAFCU Credit Union lend?
LAFCU Credit Union decided applications in 9 of the states Fat Boy Data covers, most of them in Michigan, Florida and Ohio.
Can I apply to LAFCU Credit Union directly?
Yes. LAFCU Credit Union is a bank or credit union with 10 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show LAFCU Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how LAFCU Credit Union treats applications, then get a rate quote from the lender.